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Cheque Cashing Creditors
Hi, ill keep this as brief yet detailed as i can. I have recently started negotiating with my creditors to start making payments on the overdue debts. However my dilemma is this : I owe a cheque cashing company £500 for cheques that my bank bounced. This debt is now nearly 2 years old. My friend told me that the crditors…
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Loan vs Credit Card repayment question
I don't know how best to pay these... any advice welcomed. I have looked at the Snowball before, but am now just confused. :rolleyes: I have a balance of around 2900 on a 0% credit card for the next 10 months. I've JUST transferred this, so not sure the minimum payment yet (the 2 previous cards were approx 20% so the total…
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Need Some advice
Hi, im not sure if im posting this in the right forum or not but anyway hopefully someone will be able to point me in the right direction, ive posted it in the mortgage section aswel. Im trying to get some advice on my sisters housing situation, she is only 21 the story is: She has been on benefits for a few years as a…
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Ltd company query
Hi all. Just a query really, my ex workmate who is as far as i know still a director in a company that ceased trading last September has had a letter from one of the business' creditors talking about court proceedings etc. He rang me and informed me as i was until last August also a director, i was wondering as this was a…
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RE: Debt newby
HI I have just admitted to myself that I can no longer move my debts around as all I am doing is increasing the amount owed. I have CC debts of 26,000 which have escalated during the last three years where I have been off sick. I still have a salary and some sickness benefit but it does not cover the minimum payments. I…
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Credit Card... advice if you can?
yesterday my on-line creditcard account said I had a pending transaction of 1.00. I know I haven't used the card. Today there was no charge and no more pending transaction. I called Barclaycard to ask what this was about and they said not to worry 'sometimes internet companies do this to check to see if the card is still…
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IVA overpayment?
I'm 22 months short of completing a 60 month IVA term and i've found that my contributions have rose from a start of £302 per month to £542 per month to date, paired with the fact i have to give 50% of any overtime or bonuses to the company i've worked out that to date i've repayed just short of 17k. While the pay…
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Claiming bank charges back has anyone
Has anyone a standard letter link for sending to banks to re claim bank charges, I think its time to claim .............. http://news.bbc.co.uk/1/hi/business/7362856.stm
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Applied to CCCs hope they can help any advice?
Feel sick with worry with all this debt and was wondering if any one has any advice on the process of dealing with CCCs. Is it a long process and do you get harrassed by creditors as I am terrified that if they cant help I don't know what I am going to do about this debt. I have got the paperwork today and I have to send…
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Really scared, please help, Sinking...
Hi there, I have over 30k of unsecured debt which until now I was managing to pay. However I have been self employed for a few years and now I am in the process of getting a job as I am not earning anything. As of next month or possibly next 2 months I will have a wage practically enough to live on however I dont know what…
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IVA or not?!? Please help!
Hi. I am quite new to this but could really do with some help. I have completed the MSE budget planner and am reducing my bills as much as possible. My husband and I own a limited company which we have drained (paying wages) over the last few years in order to keep up to date with our personal debt eg mortgage, loans,…
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How much do you allocate for spends?
When I did our budget I took into account everything. I want to pay off debts as fast as I can so I didn't put anythng in the budget for spending money/free money. We have allocated £50 pcm for socialising and gifts, home imporvements etc. are all catered for. However, I think it might be easier to keep DH on board if he…
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25% Paid Off - Hobsch's DF Diary
I had attempted to post a Diary before but had never kept it up. Had kept my debts a secret from GF but finally came clean. Things are still ok, told I was silly for not saying anything before etc etc. As she pointed out though I have paid 25% of the debt off so I have done well so far. So inspired by the brilliant Diaries…
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csl.....annoying phone calls...
i have a company called csl phoning me at all times of day for a catalogue debt that has gone through the 'no credit agreement' stage - been offered a final pay off, which i refused due to no signed ca.. they phone - i ansere and it says this is a message for ......... - please phone us on...............- why dont they…
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Close Motor Finance
Hi my husband has a car on HP with Close Motor Finance. We were hoping to settle the account as we need a new car due to expanding family etc and believed there to be just over £1500 left to pay on it (15 months left on account). Well the settlement statement came today and it us £2771.57. Thats including £551.62 of…
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CCJs
Hi all Sorry if this has been answered elsewhere. I have a CCJ running for the past 3 years. No missed or late payments. I have heard the company could take me back to court to get this figure increased as I have increased the payment to CCCS who I have an arrangement with for my other creditors. Does anyone know if they…
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Car tax rates
Hi Can anyone tell me what the engine size is within the brackets for car insurance ? I have downloaded a sheet from Directgov but all it says is Cars before 2001 (which mine is and my new one will be) Not over 1549 120.00 per year Over 1549 185.00 per year At the moment I have a lovely old M reg speedy Golf but am…
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Get £25 to share your debt free story
Hi there, A journalist is looking for a case study to write about for an article for Prima magazine. If you're interested in helping please get in touch with Sue. Hi there I'm writing a feature for Prima magazine on tackling your debts and we're like to feature some lovely ladies (sorry chaps it's a women's magazine!) who…
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already with debt company
I am with Baines & Ernst re my debts but it seems never ending. No 5 year finish. any suggestions to quicken it up.
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Can being chased by a DCA (for a very old debt) affect your credit rating?
As I have explained in a previous thread, I am being chased for an alleged old debt that goes back to July 2002. Years ago I got myself into all sorts of financial trouble and owed money left right and centre but I paid it all (or so I thought) learnt my lesson and for the last three years had no problems getting credit.…
